If the reviewer looks at your credit and repayment status in other installments during the review. As long as you are sure that it is the reviewer, it will be fine. If you are not sure it is the reviewer, you can consult customer service. Be careful and do not disclose personal information to others casually

1. Is p2p lending a loan shark? , requires detailed analysis.

Article 26 of the Supreme People's Court's "Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases" stipulates: If the interest rate agreed between the borrower and the lender does not exceed the annual interest rate of 24, the lender requests the borrower to pay the interest rate as agreed. If interest is paid at an interest rate, the people's court shall support it. If the interest rate agreed between the borrower and the lender exceeds the annual interest rate of 36, the interest agreement for the excess portion is invalid. If the borrower requests the lender to return the interest that has been paid in excess of 36% of the annual interest rate, the People's Court shall support it

Second, China's current credit reporting system is divided into two parts, one is the central bank's credit reporting system , part of which is the local credit reporting system, both of which are led by government departments. Among these two credit reporting systems, the central bank’s credit reporting system is mainly referred to. But even the central bank's credit reporting system is very imperfect, only the credit card and bank loan information of the person being queried.

Third, Paipaidai has not yet been included in the central bank’s credit reporting system, so borrowing money is not subject to credit reporting for the time being. However, records of loans, overdue payments, etc. will be uploaded to Paipaidai’s own credit system. Overdue repayment will first affect your personal credit and affect your future life and work. Furthermore, the longer the overdue time, the higher the overdue fees will be. The higher, the greater the burden.

Fourth, if it is overdue, the loan platform will have a dedicated collection staff to communicate with you. If you still do not repay, it will affect your family and friends. If the overdue behavior is particularly serious, you may be prosecuted and the trouble will be even greater, so you still need to repay on time.

Fifth, at the end of 2017, Paipaidai announced that it had accessed multiple credit reporting platforms. In addition to the central bank’s credit reporting system, Sesame Credit and China Internet Finance Association’s “Credit Information Sharing Platform” The platform" will record the credit information of Paipaidai users. Therefore, users who apply for and use Paipai Loan must pay attention to repaying on time and protect their credit.

Sixth, Baicai Financial Platform issued an announcement on February 26, 2020. Baicai Financial Platform has recently completed data docking with the Credit Reference Center of the People's Bank of China (hereinafter referred to as "Credit Reference Center"). Relevant credit information will be submitted to the central bank's credit reporting system in full on a regular basis. Previously, Asset Management Blackboard reported that Yirendai, Paipaidai, Huizhong.com, Xiangqiang Financial Services, Duolerong, Henghuirong, Shojin.com, Daokoudai, PPmoney and other platforms have announced access to central bank credit reporting , P2P platforms have made substantial progress in integrating into the central bank’s credit reporting system, and the country continues to increase its efforts to crack down on debt evasion.